I've noticed I used to unconsciously rub my beard every time I read that word. I, like most men with beards, have hair on my neck. But I suppose the popular idea of a "neckbeard" isn't literally to have a beard on your neck. I think being overweight also contributes.

I've been told my beard is rather tasteful so I got that goin' for me, which is nice.

I think the problem is mostly when someone has a very short beard and it ranges from their actual face and chin halfway down their neck but isn't covered at all by the actual facial hair and is just sloppy.